Hi all, I know 'cash is king' but I had a scenario where I visited a FS shop and made a first time transfer to the receptionist for $540 from CBA to CBA and it got put on hold, I did another transfer from a different CBA account to the shop and again it was put on hold. Transfer showed as pending in the app now my balance is down $1K and I showed the receptionist but of course if they don't get the funds immediately then no service. So I transferred $540 from my Westpac account to CBA via NPP using the app and he got the funds straight away.

Shop receptionist transferred all of my CBA funds back once it hit their acct. but it took 2 business days for the pending to clear...